Subject: Pension Refund upon Termination RE: Discrepancy over amount deposited to locked-in Federal retirement vehicle (RRSP)
Date: Fri, 9 Oct 2009 10:02:14 -0700
Canada Revenue Agency
Danielle Jean-Venne
Access to Information and Privacy Coordinator
danielle.jean-venne@cra-arc.gc.ca
And
Office of the Privacy Commissioner of Canada
info@privcom.gc.ca
To Whom It May Concern:
On May 16, 1996 Canada Pacific Rail forwarded a final value of $22,021.23 to a locked-in retirement vechicle at the Bank of Montreal.
My concern: is that; there is a discrepancy from the amount that Canada Pacific Rail sent to Bank of Montreal and the actual amount that was invested to Bank of Montrreal. That is that Canada Pacific, states they sent a final value of $22,021.23 to a locked-in retirement vechicle at the Bank of Montreal. However, my receipt signed by Cori Stewart on March 22, 1996 of Bank Of Montreal, 2nd Floor-1216-10th Avenue Calgary AB, Canada and by Karen Pringle Bank Of Montreal, Moose Jaw Saskatchewan states there was a deposit of $ 19,790.77 on January 8, 1996.
As per The Access to Information Act, could please account for this discrepancy and send me orginal copies of the actual amount invested at The Bank Of Montreal in Moose Jaw, Saskatchewan on May 16, 1996.
Sincerely,
Tim Tremblay
timtremblay@hotmail.com
CC: bmo.ombudsman@bmo.com, extcomm@osfi-bsif.gc.ca, invest@bmo.com,
pension_services_help@cpr.ca

Dear Mr. Tremblay:

Thank you for your email of January 27, 2008, concerning your locked-in RRSP.

The Office of the Superintendent of Financial Institutions (OSFI) is responsible for the regulation and supervision of federally registered private pension plans. We monitor and examine financial institutions for solvency, liquidity and safety and soundness.

The issue you raise does not fall within OSFI’s jurisdiction.

The Canada Revenue Agency (CRA) administers tax laws for the Government of Canada and for most provinces and territories.Therefore, you may wish to contact the CRA with your questions.Their Web site is located at http://www.cra-arc.gc.ca.

I trust that thisinformation will be of assistance.

Sincerely,

Nancy Desormeaux

Correspondence Officer

Our reference: 855-158208

PROTECTED

Dear Mr. Tremblay:

Thank you for contacting the Financial Consumer Agency of Canada (FCAC) concerning your locked-in RRSP with the Canadian Western Bank and your dealings with The Toronto-Dominion Bank (TD Canada Trust) and the Bank of Montreal (BMO).

First, I would like to provide you with information about who we are and what we do. FCAC protects and educates consumers by:

·Monitoring agreed-upon codes of conduct and public commitments made by these same institutions.

·Informing Canadians about financial services and products and about their rights.

·Telling consumers who they can contact if they have problems that FCAC does not deal with.

This being said, FCAC does not have jurisdiction over the rules that govern locked-in RRSPs. However, with respect to your questions about the third party that put a hold on your RRSP, you may wish to address your concerns to both TD Canada Trust and BMO through their complaint-handling processes. Banks are required by law to have in place a complaint-handling process to help resolve disputes between consumers and their financial institutions. This process includes a third-party dispute-resolution body called the Ombudsman for Banking Services and Investments. Here are the direct links to the complaint-handling processes for TD Canada Trust : www.fcac-acfc.gc.ca/eng/consumers/Complaints/CHPInstitution_e.asp?id=B42and BMO www.fcac-acfc.gc.ca/eng/consumers/Complaints/CHPInstitution_e.asp?id=B8.

You also ask whether your federally locked-in RRSP is protected under the federal Pension Benefits Standards Act as well as under the Canada Deposit Insurance Corporation, and I noted that these concerns were addressed by the Canadian Western Bank in its reply to you. However, you may wish to confirm this information with the Office of the Superintendent of Financial Institutions (OSFI) who is the regulator of federally regulated pension plans and with Canada Deposit Insurance Corporation.

You can contact OSFI by calling 1-800-385-8647 (toll-free), by sending a fax to (613) 990-5591, by e-mailing info@osfi-bsif.gc.ca, or by writing to:

Office of the Superintendent of Financial Institutions

255 Albert Street
Ottawa ON K1A 0H2

You can contact CDIC by calling 1-800-461-2342 (toll-free) or (613) 992-7124, by e-mailing info@cdic.ca, by sending a fax to (613) 996-6095, or by writing to:

Canada Deposit Insurance Corporation

17th Floor

50 O’Connor Street

PO Box 2340 Station D

Ottawa ON K1P 5W5

Thank you once more for bringing your concerns to our attention. I trust the information I have provided proves helpful.

Thank you for your email of September 26, 2007, regarding your locked-in RRSP with the Canadian Western Trust (CWT).

The Office of the Superintendent of Financial Institutions (OSFI) is responsible for the regulation and supervision of federally registered private pension plans. The applicable legislation with respect to a pension plan depends on the nature of the work, business or undertaking being performed. The Pension Benefits Standards Act (PBSA) applies to federal undertakings such as banking, airlines, telecommunications, interprovincial and international transportation. If you would like to provide us with the originating pension plan name, and registration number if available, we would be able to confirm that your RRSP funds are indeed administered under the federal PBSA.

Under the PBSA, a pension benefit cannot be seized as long as it remains in a pension plan or in a locked-in vehicle such as a locked-in RRSP. However, in the case of a marriage breakdown, pension assets can be subject to applicable provincial property laws, and the PBSA permits the division of pension assets by court order or written agreement under these laws.

Without any more information, it is not clear at this time how OSFI may be of further assistance. If you would like to write to us again with your specific questions, we would be happy to look into your request at that time.

Monitoring agreed-upon codes of conduct and public commitments made by these same institutions and by network operators.

Informing Canadians about financial services and products and about their rights.

Telling consumers who they can contact if they have problems that FCAC does not deal with.

Please note that the day-to-day operations and decisions of banks in Canada are not regulated by FCAC. Banks determine their own internal policies and guidelines with respect to the servicing of customers, accounts and the products they offer.

That being said,when you open an RRSP account at a federally regulated financial institution, the institution must provide you in writing with certain information about your account and how it will work. This includes:

a copy of the account agreement within seven business days after the account is opened

information about all charges applicable to the account

information about how you will be notified of any increase in those charges and of any new charges applicable to the account

If you believe that your bank is not following the regulations as described above, please provide our office with additional details so that we may look into the matter further.

In the meantime, since FCAC is not a dispute-resolution agency for consumers in their individual dealings with financial institutions, you should continue to raise your concerns with the bank directly by using its complaint-handling process. All banks must have a process to help resolve disputes with their customers. This process includes an independent external complaints body. Keep in mind that you must follow all steps of the process in sequential order.FCAC has the complaint-handling process for the BMO on its website atwww.fcac-acfc.gc.ca/Eng/resources/lodgeComplaint/Pages/Complain-Outilder-1.aspx?CHPID=75.

Also, note that provincial and territorial governments are responsible for regulating other aspects of the securities industry. In British Columbia, you may wish to contact the BC Securities Commission (BCSC), which is responsible for regulating the province’s investment sector. You can contact BCSC by phone at1-800-373-6393 (toll-free) or 604-899-6854 (local), by fax at604-899-6506, by email atinquiries@bcsc.bc.caor in writing at:

You may also be interested to know that the Investment Industry Regulatory Organization of Canada (IIROC) is the national self-regulatory organization which oversees all investment dealers and trading activity on debt and equity marketplaces in Canada. You can contact IIROC by phone at 1-877-442-4322 (toll-free), by email at InvestorInquiries@iiroc.ca or in writing at:

To learn more about FCAC or the federal laws that protect financial consumers, or to read our publications online, you can visit our website atitpaystoknow.gc.ca. If you have any questions, please call us at 1-866-461-3222 (toll-free).

Again, on behalf of FCAC, thank you for writing. I trust the information I have given you will be helpful.

Regarding my complaint against BMO Financial. May 21, 1996 Canadian Pacific Railway transfer my locked-in pension to the Bank of Montreal in the amount of $22,021.23. It is evident that Cori (Stewart) Storozuk defrauded me of federal pension funds in excess of $2200.00 Canadian funds, protected by a federal act. Pension Benefits Standards Act 1985. Her first withdrawal of my pension funds occured between May 21, 1996 and June 16, 2000. Also the Bank of Montreal released the amount of $27,000.00 on or approximately April or May of 2006 to a unidentified third party. The third partyies included the Ministry of Employment and Income Assistance now known as the Ministry of Housing and Social Development in Victoria BC Canada and the Government of Saskatchewan Ministry of Social Services. Please take the time to review the pictures of my personal information from May 21, 1996 to May 6, 2006.

———- Forwarded message ———- From: Mail Delivery Subsystem <mailer-daemon@googlemail.com> Date: Tue, May 27, 2014 at 10:33 AM Subject: Delivery Status Notification (Failure) To: timtremblay1@gmail.com
Delivery to the following recipient failed permanently:bmo.ombudsman@bmo.com
———- Forwarded message ———- From: Tim Tremblay <timtremblay1@gmail.com> Date: Thu, May 15, 2014 at 2:30 PM Subject: RRSP #25601824 To: ofsi <information@osfi-bsif.gc.ca>
Ombudsman for Banking Services 401 Bay Street Suite 1505, P.O. Box 5 M5H 21Y4 Telephone: 1-888-451-4519 Facsimile: 1-888-422-2865 E-mail: ombudsman@obsi
May 27, 2014
Regarding my complaint against BMO Financial. May 21, 1996 Canadian Pacific Railway transfer my locked-in pension to the Bank of Montreal in the amount of $22,021.23. It is evident that Cori (Stewart) Storozuk defrauded me of federal pension funds in excess of $2200.00 Canadian funds, protected by a federal act. Pension Benefits Standards Act 1985. Her first withdrawal of my pension funds occured between May 21, 1996 and June 16, 2000. Also the Bank of Montreal released the amount of $27,000.00 on or approximately April or May of 2006 to a unidentified third party. The third partyies included the Ministry of Employment and Income Assistance now known as the Ministry of Housing and Social Development in Victoria BC Canada and the Government of Saskatchewan Ministry of Social Services. Please take the time to review the pictures of my personal information from May 21, 1996 to May 6, 2006.
Sincerely,
Tim Tremblay

Reply

Forward

CommPub Info <CommunicationsandPublicAffairs@cdic.ca>

Jun 2 (2 days ago)

to me

Dear Tim Tremblay,

Thank you for your e-mail of May 30, 2014.

CDIC is a federal Crown corporation created by Parliament in 1967 to insure eligible deposits at member financial institutionsin case of their failure.

CDIC does not cover funds that are lost during a bank transfer.

The Financial Consumer Agency of Canada (FCAC) provides consumers with accurate and objective information about financial products and services, and informs Canadians of their rights and responsibilities when dealing with financial institutions. FCAC also ensures compliance with the federal consumer protection laws that apply to banks and federally incorporated trust, loan and insurance companies.

If a customer service representative at the banks in questions are unable to rectify the issue, you may write to FCAC at the following mailing address, 427 Laurier Avenue West, 6th Floor, Ottawa, Ontario, K1R 1B9, or contact their toll-free information line at 1-866-461-3222.

For more information on CDIC and deposit insurance, you may wish to visit CDIC’s Web site atwww.cdic.ca , or call CDIC’s toll-free information line at 1-800-461-2342.

Regards,

Jeams Cherestal

Communications Agent

Please Note CDIC does not provide legal advice to third parties and does not issue rulings on the interpretation or application of the Canada Deposit Insurance Corporation Act (“CDIC Act”), its by-laws, or any related legislation. These are legal matters for which only the courts can provide decisive answers. This reply is subject to those caveats.

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Premier Brad Wall, you want respect and for me to be at my best, while the fucking Ministry of Social Services in Moose Jaw Saskatchewan Canada is treating me like a fucking piece of shit. Well Brad Wall Premier of Saskatchewan fuck you ya scumbag don’t fucking sing it fucking bring it. You fucking scum bag.

I believe that my caseworker Patricia Armstrong-Wilson BSW, Supervisor Income Assistance 36 Athabasca Street West and her supervisor Clinton DeMarce Manager Service Delivery Swift Current and Region, have deliberately colluded to deny me entitlement to monies for the months of June , July, August of 2012. As I was accepted as a client for Saskatchewan Assured Income for Disability in June of 2012. It is my understanding that all SAID clients as of June 01, 2012 are allowed to retain their Saskatchewan Rental Housing Supplement, In my case:
Re: Tim Tremblay 2581999 I have only been allowed to retain my Saskatchewan Rental Housing Supplement for the months of September and October of 2012 and was denied the entitlement to those monies for the months of June, July and August of 2012 without receiving any written notification of this decision to deny me these benefits in which I believe I am entitled to. As, Patricia Armstrong-Wilson BSW, Supervisor Income Assistance my case worker has deliberately neglected to notify me of this decision in writing so that I am unable to appeal to neither the Regional ( Local ) Appeal Committee or the Saskatchewan Social Services Appeal Board regarding this decision. I feel that this deliberate abuse should be directed to the Premier, Honourable Brad Wall.

Premier Brad Wall today announced the Saskatchewan Party‘s plan to improve the quality of life for persons with disabilities through a major expansion of the Saskatchewan Assured Income for Disability (SAID) program. “If re-elected it will be the Saskatchewan Party government’s vision and goal to make our province the very best place in Canada to live for those with disabilities,” Wall said. “Building on what we have already done, this is another important step in making that vision a reality.” In 2009, the Saskatchewan Party government created the SAID program to provide long-term support that was distinct from social assistance for persons with significant disabilities. The program currently supports individuals in residential care – about 3,000 people in Saskatchewan. The Saskatchewan Party plan will expand coverage to persons with disabilities living outside residential care – about another 7,000 individuals – for a total enrollment of about 10,000 people. A re-elected Saskatchewan Party government will also increase benefits over the next four years by $100 a month ($1,200 a year) to individuals in residential care, $350 a month ($4,200 a year) to single persons living outside residential care and $400 a month ($4,800 a year) to couples living outside residential care. The expansion of the SAID program will cost $18.4 million in the first year, increasing to $33.3 million in year four. Wall said this is the most expensive campaign promise the Saskatchewan Party will make in its 2011 election platform. “Our campaign platform is very financially responsible, but this is an area where some additional dollars need to be spent – helping people with disabilities,” Wall said. “I think this shows the priorities of our party, and it shows why growth is so important – because it means we can do more to help those with special needs. “Our government has worked hard to improve the quality of life for persons with disabilities through things like the new SAID program. So many people have told us that they appreciate not only the financial assistance, but also the dignity and respect the new program provides.” Wall said a Saskatchewan Party government will increase autism funding by $4 million over the next four years and will work with disability organizations to improve the retention and recruitment of front-line workers. “There is more to be done, and we plan to keep Saskatchewan moving forward helping individuals with disabilities,” Wall said. -30- For further information: Kathy Young, Regina Toll Free 1.800.966.9611 or 306.359.1638kathy.young@saskparty.com

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” I’m just sayin, Mr. Brad Wall Premier of Saskatchewan, You just can not realize just how profoudly, the fucking abuse from the Ministry of Social Services 36 Athabasca Street Moose Jaw SK has had on me. “